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26.3 km from Newcastle CBD
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True annual cost of living in Tenambit, NSW 2323

Living in a house in Tenambit costs about $12,316 a year: council rates, water and sewerage, commute and home insurance combined. Tenambit sits 26.3 kilometres from Newcastle CBD. Unit costs come in at $11,956, as lower council rates more than offset the $1,800 body corporate levy. At 26.3km from Newcastle CBD, transport mode shifts the annual total by $3,769. The gap widens as commute costs rise.

Last updated July 2026 · Maitland Council rates 2026-27, ATO 91c/km, AER electricity benchmarks

3 key insights

Running costs sit near the Maitland average, cheaper than 80% of suburbs in the region.
The commute is the biggest expense at $6,169, roughly 50% of the annual total.
Flood risk is rated high here, which lifts home insurance. Full risk detail is in the free report.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →
House annual cost
$12,316
Driving · per year
$1,026/month
Lower cost
Unit annual cost
$11,956
Incl. body corporate
$996/month
House vs unit difference
−$360
Unit is cheaper per year

Annual cost breakdown

Council rates
Maitland rates (OLG 2024-25 + IPART 2026-27 peg) · average rate
$1,970
Water & sewerage
Hunter Water 2026-27
$1,377
Driving commute
ATO 91c/km · 26.3km from Newcastle CBD · 192 days
$6,169
Home insurance
Estimated · flood High · fire Low
$2,800
Total annual running cost
$12,316
($1,026/month)
Near Maitland average
SuburbCost affordability score ●●●○○ 5.6/10 Average
Cheaper to run than 80% of Maitland suburbs. Score blends running cost (50%), schools (20%) and flood & fire risk (30%).

Estimated electricity cost

typical 2-person household
House
$2,342/yr
5,238 kWh
Unit
$1,909/yr
3,929 kWh
Estimated from AER residential benchmarks for Tenambit's climate zone at 2026-27 regulated prices for its electricity network. Get the free report for a breakdown by your exact number of occupants.

Getting around Tenambit

within a 2 km walk
Nearest stop
Victoria Street, 1,981 m away, about a 25 minute walk. It is a train stop.
Nearest hospital
New Maitland Hospital, 2,167 m away, about a 27 minute walk.
Supermarkets
1
Cafes
1
Parks
13
Counted from OpenStreetMap via Overpass inside a 2 km walking radius of the suburb centre, built 2026-08-07. Distances are straight line from that centre, so a specific address can be closer or further. Mapping is contributed and can lag a new opening.

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Frequently asked questions about Tenambit

Is it cheaper to drive or take public transport from Tenambit to Newcastle CBD?

Public transport saves Tenambit residents $3,769 per year. Annual commute cost by car is $6,169 versus $2,400 by public transport using the Opal network.

What are the council rates in Tenambit?

Tenambit falls under Maitland Council. The average residential rate for 2026-27 is $1,970 per year for an owner-occupied house, based on OLG data uplifted by the council's IPART rate peg. Individual properties pay more or less depending on land value. Unit owners in strata schemes pay $1,970 per year. These figures cover the general rate only and exclude waste and cleansing charges.

What does it cost to run a unit in Tenambit?

Running a unit in Tenambit costs approximately $11,956 per year by car or $8,187 by public transport. This includes council rates of $1,970, water and sewerage $1,377, estimated body corporate levy of $1,800, and contents insurance of $640. Body corporate fees vary significantly between buildings. Always confirm the actual levy before purchasing.

Is Tenambit close to public transport?

The nearest scheduled service to the centre of Tenambit is Victoria Street, a train stop about 1,981 m away, about a 25 minute walk. That is measured from the suburb centre, so an individual address can be nearer or further. The commute figure used in the running cost on this page assumes driving, not this service.

What is the closest hospital to Tenambit?

The closest hospital to the centre of Tenambit is New Maitland Hospital, about 2,167 m away, about a 27 minute walk. Distance is straight line from the suburb centre and does not account for the road route or whether the hospital has an emergency department.

What shops and parks are in Tenambit?

Within a 2 km walk of the centre of Tenambit there is 1 supermarket, 1 cafe and 13 parks. These counts come from OpenStreetMap via Overpass, which is contributed mapping and can lag a recent opening or closure.

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Data sources: Council rates: Maitland rates (OLG 2024-25 + IPART 2026-27 peg). Water: Hunter Water 2026-27. Commute: ATO cents per kilometre rate 2026–27 (91c/km). Insurance: AI-estimated, disclosed as estimate. Schools: ACARA ICSEA 2025. Risk: Fire: NSW RFS Bush Fire Prone Land. Flood: modelled from 30m elevation (topographic). Data updated 2026-07.
Cost estimates are for comparison purposes only and do not constitute financial, insurance, or credit advice.